Teen_Young Adult Guide – Stewart Publishing https://updated.stewartpublishing.com Tue, 21 Mar 2023 02:21:31 +0000 en-US hourly 1 https://wordpress.org/?v=6.6.2 https://updated.stewartpublishing.com/wp-content/uploads/2023/03/cropped-logo-06-32x32.png Teen_Young Adult Guide – Stewart Publishing https://updated.stewartpublishing.com 32 32 How to Get a GED for Teens https://updated.stewartpublishing.com/how-to-get-a-ged-for-teens/ https://updated.stewartpublishing.com/how-to-get-a-ged-for-teens/#respond Sun, 26 Feb 2023 19:30:30 +0000 https://stewartpublishing.mdshojon.com/?p=1139

Teens! Get a GED to Jump-Start your Job Opportunties

Taking the GED exam can be intimidating for many teenagers and adults without a high school diploma, but it’s necessary to start your path toward better-paying jobs than you’d find otherwise. The more you learn about the General Equivalency Diploma (GED) test, the less likely you are to be nervous about taking it.

That’s why I encourage you to study for the test online and take practice tests before you go in to take the real thing. It’s the best way to familiarize yourself with the test while building confidence that you’ll do a good job. In no time, you’ll earn your GED and start the path toward a better life. Here’s a breakdown of the GED, along with tips you can use to excel in your test!

Overview and History of the Test

The GED program began in 1943, in response to an influx of high school students returning from WWII service. Since then, over 17 million students have earned their GED credentials. The test was revised in 2014, and one of the previous subject areas was removed and replaced by questions to process the student’s deep reasoning skills.

Not every state recognizes the GED credential, since some states require other similar credentials. There are 11 states that don’t use the GED, including Indiana, Maine, Montana, and New York. Several states recognize the HiSET exam. Finally, there’s the NEDP test, which is accepted in the fewest number of states (just nine). This article is extremely helpful and covers multiple exams, so you can be sure you’re taking the right one.

Study Online

There are several steps involved in getting your GED. These rules may apply to the other equivalency exams as well, but it’s best to check each test specifically and use these parameters as a loose guideline.

Check Your State’s GED Requirements

First, ensure that you are eligible to take the GED. Every state has different requirements regarding the minimum age for testing, residency requirements, photo ID, prep course requirements, and high school enrollment requirements (requiring that the student has been out of school for a specified time).

Find Someone to Keep You on Track

This can be a study buddy (someone who’s also taking the GED), a tutor, or just someone who will hold you accountable to ensure you’re working toward the goal and studying regularly. This person serves as your GED coach, guiding you along to success.

Work on the Hardest Subjects First

You may not have time to study every subject area in-depth, so focus first on your known areas of weakness. This is important because the GED requires a minimum score for each section, regardless of how well you do in any other section.

Practice

Get as familiar as you can with the subject matter. Become comfortable with the process and build confidence. As you find yourself becoming more at ease, move on to the next step.

Take the Practice Test

Get familiar with the test and its format. The more familiar you are with the test, the better you’ll do when you take the real thing. While you’re taking the practice test, have your GED coach keep track of whether you’re keeping up the pace to complete each section (and the test, in its entirety) on time. Do this throughout several months as a check to find out where you can improve.

Test Guide

Test Guide offers five math practice quizzes, six language arts practice tests, six writing practice tests, 4 science practice tests, and one social studies practice test. They also link to several other practice tests from other providers. Because the practice tests are randomized, they encourage you to take them multiple times.

Mometrix Test Prep

Mometrix Test Preparation offers a math practice test, a reasoning through language arts practice test, a science practice test, and a social studies practice test. They also offer a GED prep course (for $30 a month), if you’re interested.

Best GED Classes

BGC features a sample practice test, and a practice test set (containing 10 questions each) in every subject (math, social studies, science, and language arts). They also give you the option of completing a longer practice test with a timer and reviewing other helpful tips, like which calculator to use.

4Tests

4Tests  offers two practice tests that cover math, reasoning through language arts, science, and social studies. They also have a handy graph to help show the content of the GED exam, along with helpful tips on how to make the test-taking process easier.

Time for the Real Thing

Once you’ve completed practice tests and studied up, you should feel confident about the idea of taking the real GED. Be sure to get plenty of sleep the night before, and try to eat a nutritious breakfast with Omega-3 fatty acids before your test. Relax! You’ve got this!

Apply for Better Jobs and More

Congratulations! You’ve taken your first step toward self-mastery! You can start applying for better jobs, join the military[1], or pursue higher education. Discover the new realms of possibility that have been opened to you, and remember that as long as you persevere, you can do anything. If you have questions or would like to know more about the GED process, get in touch. I’d be glad to help you.

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How To Look For An Apartment: A guide for teens and Young Adults https://updated.stewartpublishing.com/how-to-look-for-an-apartment/ https://updated.stewartpublishing.com/how-to-look-for-an-apartment/#respond Sun, 12 Feb 2023 04:02:01 +0000 https://stewartpublishing.mdshojon.com/?p=1240 Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

Apartment Rental Signs

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


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Ways to Search for an Apartment

For the most comprehensive list of apartments possible, you can use all of the following methods to search for an apartment. Of course, you are welcome to choose any method you wish in order to hunt for an apartment. Perhaps you’re more technologically savvy and would like to look exclusively on the internet. Or maybe you’d rather ask your friends and family first before you hunt for an apartment on your own. Feel free to take this section out of order or forgo part of this section, if you’d like.

Apartment Rental Signs

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.


[/vc_column_text][/vc_column][/vc_row][/vc_section]

If you’re a teenager or young adult who already has a job and needs to take the next steps toward living independently, it’s time to look for your own place. You can certainly look to purchase a house or other property, but that is the subject of another post. There are several ways that you can search for an apartment: checking rental signs, searching for apartments on the internet, checking apartment rentals in your local paper, and asking for referrals from family and friends. You need to make a list of the things you need in your apartment. Monthly rental costs, utility costs, the size of the apartment, the number of bedrooms and bathrooms, an onsite laundry room, the location, the distance from your job or family, and the availability of public transportation, if you don’t have a car, can all be included on this list. If you own a car, you’ll want to know how long it takes to get to work and go shopping. Finally, you want to live somewhere you feel safe and comfortable. You will have to determine which of these items has the highest priority.

Ways to Search for an Apartment

For the most comprehensive list of apartments possible, you can use all of the following methods to search for an apartment. Of course, you are welcome to choose any method you wish in order to hunt for an apartment. Perhaps you’re more technologically savvy and would like to look exclusively on the internet. Or maybe you’d rather ask your friends and family first before you hunt for an apartment on your own. Feel free to take this section out of order or forgo part of this section, if you’d like.

Apartment Rental Signs

Whether you live in California, New York, or my home state of Illinois, you’ve inevitably seen apartment rental signs near you. Most apartment rental signs feature these key components:

  • The words “For Rent,” “Apartments for sale,” or “Apartments for rent,” usually in orange or red and black
  • The full address and zip code of the apartment(s) for rent
  • Positive qualities of the rental property (renovations, laundry facilities, amenities, etc)
  • Rent amount
  • Application requirements
  • Contact information (Name, phone number, and/or email address of the person putting the apartment up for rent)

Online Apartment Search

There are a lot of great resources out there if you’re running an apartment search online. I’ll list several websites that you can find apartments on and give you a brief overview of how to use them. Zillow is a good way to see several apartment listings at a glance. There are plenty of pictures for you to look through that can determine if the apartment is for you. Simply type the city and state you want to find an apartment in and click the search icon. You can also narrow down your search by price, how many rooms there are, square footage, year built, stories, amenities, and whether they allow pets. You can even type “furnished” into the keywords search to find already-furnished apartments. With the Zestimate tool, you can compare apartments too!

Trulia is just as user-friendly as Zillow is in terms of getting to see what apartment listings are available. A helpful feature of Trulia is that the site partners with crime-mapping tools (Spot Crime and others) to provide you with a “Safety and Crime” map. Trulia users review each area according to specific criteria as well, making it considerably more comprehensive than Zillow.

Realtor.com lists several different apartments by category on their home page (ie: “Apartments with pools,” “Pet-friendly apartments”). Type the city and state you’re looking for into the search bar and filter your search to your specifications. Like Zillow, Realtor.com lists the amenities and specifications of each apartment (beds, baths, square footage, etc).

Craigslist is essentially an online newspaper ad. From the link I’ve provided, find your state and click on the city or locality closest to where you’d like to live. You’ll be directed to a screen with several options, and you’ll find “Apts/Housing” under the Housing category. Click it and you’ll see several available apartments, most of them with photos so you can get a better idea of what the apartment looks like. Note: the information on Craigslist isn’t as comprehensive as on other sites, and since anyone can post on Craigslist, exercise caution when searching for apartments. If the listing isn’t professional (no photos/address/unprofessional-sounding listing), chances are it’s not legitimate. However, Craigslist has been around for a long time, and it is not dedicated to apartment hunting, so the site does not have many of the features of the apartment hunting website listed above.

Newspaper Apartment Listings

Like apartment rental signs, newspaper apartment listings generally tend to include the following useful information:

  • Rental amount
  • Number of bedrooms
  • Number of bathrooms
  • Name and contact information (phone number, email, etc) for the person listing the property
  • Whether or not pets are allowed
  • What town/community the apartment is located in (including address)
  • Some amenities

Sometimes apartment listings will also include:

  • Whether heat and hot water are included
  • The required amount for the security deposit
  • Available move-in date

You can search using a physical newspaper, which is slowly disappearing, or you can go to the newspaper website. The point is that landlords still advertise in local newspapers.

Apartment Referrals From Family and Friends

 

Sometimes you’ll get the best referrals from family and friends, especially if they already have an apartment in the community where you’re interested in living. Getting a referral from someone you know for both the renter and landlord adds an element of trust because you know a mutual family member or friend. Also, many landlords with small apartments may not advertise online and will use more traditional methods, such as putting a sign on the property or telling family and friends of the apartment’s availability.

If your friend or family member has answered the above questions and you’re still interested, you can ask whether they’d be willing to invite you over to their apartment so you can see what it’s like. Getting referrals is the best way to find an apartment, as long as you know who to ask.

How to Research Your Apartment

 

As in many other areas of life, it really helps to do your research. First, we’ll cover why you need to do your research. Next, we’ll highlight the importance of proximity to work or school, possible amenities that can make your future home more enjoyable, and how to calculate your cost of living in each apartment.

Why You Need to Do Your Research

 

A sad reality of adulting is that there’s always someone out there who wants to take your money. If you do diligent research, you’ll minimize your chances of being scammed by imposters while you hunt for an apartment. Here are a few ways you can determine whether your dream apartment is truly legitimate:

If you pay in cash, get a receipt. If you are renting in a larger apartment complex operated by a professional management company, they may not take cash. Credit and debit card transitions are easier to audit for apartment owners. However, many landlords of smaller apartments or houses may take cash, in which case just get a written receipt showing you paid the rent.

Pictures are a good starting point, but you need to see the apartment. If you encounter a landlord who isn’t willing to show you the property before you sign a lease or make your first monthly payment, just walk away. This is not a legitimate practice, and something is wrong.

Sign a written lease. Only a written lease is legally binding, so should a dispute arise, you’ll be grateful to have the agreement on paper. Ensure that the landlord signs the lease as well and that you have a copy of the contract. (If you e-sign the rental agreement through an apartment listing service like Rentberry, you’ll always have a digital copy at your fingertips.) However, many smaller units (2–4 units) and houses are owned by individuals who have different levels of expertise. You should get your contract terms in a written lease, and you should read the lease and ask questions. You may not understand all the lease terms, and don’t be surprised if the landlord doesn’t either. Plus, some cities, such as Chicago, have housing regulations that the landlord may or may not follow. Lease terms are another subject, so, I will just say get it in writing and leave it at that for now.

Make sure the lease identifies the owner and that you know who they are. Ask for homeownership documents to prove that you’re speaking to someone with authority to rent the property. This is more of an issue with renting single-family homes and smaller 2-4-unit buildings. This is less of an issue with larger apartment complexes. You should know if the person renting you the apartment owns the building or is authorized to rent it. If they hesitate, don’t sign on the dotted line.

Avoid sub-leasing unless you absolutely need to do it. It’s very difficult to determine whether the original tenant has the right to sub-lease the property. Both you and the original tenant can be evicted if the landlord finds out that the property was being sub-leased without permission. The safest way to go about sub-leasing is to talk with the original tenant and landlord to see if you can have your name added to the original lease.

Meet the landlord in person, too. Regardless of the method that you choose to research the apartment, you need to see the physical property and the landlord in person. If they don’t want to interact with you in person, that’s another red flag.

Keep a sharp eye out for the middleman scam. If someone tells you that they handle property for the real owners and insists on collecting payment from you, don’t believe them. The person who rented you the apartment and countersigned the lease should direct you to where and how to make your monthly payment. These are some of the most common rental scams out there, so run away while you can.

Technology is your friend. Before you rent a place, Google the landlord’s contact information. If you see a photo that seems too good to be true, run a reverse image search on Google or TinEye.

Read the Lease. If you don’t, you could end up on the hook for a lot more than you bargained for. Always read your rental agreement thoroughly before you sign. Most likely, the lease will have some provisions you do not understand, so ask questions.

Follow other tips to avoid rental scams. Rentberry.com has an entire list of ways to avoid scams. Read the article if you want more advice or resources on how to deal with rental scams.

Proximity to Work or School

 

Before you choose an apartment, evaluate how close it is to your workplace, college, or training school. If your apartment is too far away, the cost of gas is going to begin cutting into your budget. (More on that later.) One of the best ways to avoid wear and tear on your vehicle is to live close to your school or workplace. You’ll cut down on gas and maintenance costs as well. If you find that you have no choice but to live a considerable distance from your workplace or school, be sure to factor that in as you go over your budget.

What Amenities are You Looking For?

 

There are several types of amenities that are offered to renters. Here are some examples, sorted by category:

Recreational

  • Swimming pools
  • Barbeque areas
  • Firepits
  • Fitness Centers
  • Clubhouses
  • Rooftop Lounges
  • Media Rooms
  • Community Gardens

Pet

  • Pet-friendly units
  • Pet washing stations
  • Dog parks

Parking/Transportation

  • Secured Garage
  • Carport/covered parking
  • EV (Electric Vehicle) charging stations
  • Guest parking

Other Community Amenities

  • Laundry facilities
  • Laundry services
  • Gated community
  • Extra storage space
  • Online rent payments
  • Online maintenance requests
  • Community events/classes

In-Unit Amenities

  • In-unit laundry
  • Air conditioning
  • Storage space/large closets
  • Dishwasher
  • Energy-efficient appliances
  • High-speed internet
  • Views
  • Fireplace
  • Hardwood floors

Calculate Your Cost of Living

 

Budgeting is an important step to adulting, and as a young adult starting out, you’ll need to ensure you can afford to live at your apartment. Your cost of living shouldn’t be more than the cost of gas, utilities, rent, tuition, groceries, loans for credit cards, insurance, and vehicle loans. It may sound difficult to calculate your cost of living, but Smart Asset has a very handy cost of living calculator. It compares whether the prospective apartment has a lower or higher cost of living. If you’d like something more detailed, try Numbeo’s Cost of Living estimator. It features information from several cities and weighs many factors, including:

  • Members of the household
  • How frequently you eat from restaurants and what kind you choose
  • How often you go out/drink coffee in a cafe
  • Transportation types
  • How frequently you go on vacations/trips
  • How frequently you buy clothing/shoes
  • Cost of rent

Budgeting is an important part of being on your own, so do everything you can to make sure your budget is solid. There are plenty of budgeting tips you can try to stretch your dollar farther, including setting long-term financial goals and saving money for big expenses, but the bottom line is that you’ve got to be detailed, stay consistent, and monitor your finances.

Stewart Publishing is Here to Help

 

I created Stewart Publishing because I want to help teens and young adults like you find their independence. Even if you feel like the odds are stacked against you, you can become a successful adult. In my book, “How to Leave Your Parent’s Home and Live on Your Own,” I talk in more detail about how to find an apartment, open a bank account, and more. My goal for you is that you don’t just survive but that you thrive. Contact me today if you have any questions or would like a copy of my book.

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How to Improve Your Personal Finances as a Young Adult https://updated.stewartpublishing.com/how-to-improve-your-personal-finances-as-a-young-adult/ https://updated.stewartpublishing.com/how-to-improve-your-personal-finances-as-a-young-adult/#respond Sun, 29 Jan 2023 06:12:07 +0000 https://stewartpublishing.mdshojon.com/?p=1274

If you haven’t already done so, you should also create a file for your important documents, including your birth certificate and social security card. You’ll need your social security number to apply for a loan, and it’s a good idea to keep these documents in an easy-to-refer-to file so you don’t have to search for them when something important comes up.

To budget your money, you can try to follow the 50/30/20 rule. Up to 50% of your income can go to needs, 30% can go to wants, and 20% should go to savings and debt repayment. If you can stick to this plan, you’ll be on your way to financial stability in no time! The traditional way to deal with expenses is to keep track of them by physically writing out your income and expenses, keeping a running tally of where you stand. However, financial software has made it easier than ever to take care of this in a more efficient and youth-friendly way.

Financial Software

Thankfully, financial software takes all the guesswork out of your personal finances and allows you to meet your long-term financial goals. The personal finance software mentioned below is a mix of free and paid options that can help you budget, build financially healthy habits, file income taxes, and manage spreadsheets. Mint, Quicken, Mvelopes, TurboTax, YNAB, and Tiller Money are great options for you to look over. Choose the ones that are right for you!

Many of the paid options also offer free trials, so don’t be afraid to give them a test run before you go through with your purchase. They might be the help with finances that you’ve been looking for.

Mint

Mint’s budgeting software is provided by the makers of TurboTax, making it a great choice for people who are already using it for their income taxes. This easy-to-use tool can be used to read your bank and credit card information and analyze your spending habits. You can also set up due date and low balance alerts so you’re never caught off guard by overdraft fees or late payments. Budget categories allow you to get information on how much money you have left for things like gas money or grocery spending. Mint is free to download on iOS, Android, and desktop devices.

Quicken

Quicken is probably the most well-known personal finance software to date. It allows you to create a budget, track your spending, and create savings goals. Interested in investing? Quicken can provide tips on how to invest your money, too. Quicken has Excel exporting capabilities that allow you to perform additional data analysis. It also has a bill pay feature that lets you pay bills from the software.

Quicken is robust enough to manage personal and business expenses. Quicken software starts at $35.99 a year for a starter membership. Home & Business membership is the most expensive option, at $103.99 a year. Keep an eye out for discounts; at the time this was written, there was a 40% off sale going on!

TurboTax

Although TurboTax isn’t budgeting software, it does a lot to ensure that your taxes are properly prepared and submitted to the IRS. You can import your W-2 from your employer or take a picture of it and upload it to the system. As you send income tax information, the software remembers and can be a lifesaver if you’re in the process of applying for a loan and aren’t sure where you put your tax return information. Simply log back in and find it again! Another advantage of using TurboTax for multiple years is that the software remembers your personal information, so you don’t have to enter it each year. If there haven’t been any major changes, information such as your address, name, marital status, and social security number will already be filled in for you. The basic version allows you to file your federal and state return for free if you only use Form 1040 and no attached schedules.

If you’re willing to pay more, however, TurboTax will give you access to a CPA to give personalized advice and answer questions. You can also get Audit Defense, which gives you access to a team that will handle all communications and negotiations with the IRS in the event that you’re audited.

YNAB (You Need A Budget)

You Need a Budget’s software helps improve your financial literacy and build healthy habits as you manage your budget. The software provides tutorials to help you understand difficult financial topics. YNAB can help you break your bad spending habits and get you on a better path. It automatically links to your bank account and provides you with spending analysis and budget tracking. The full software is $11.99 a month or $84 for a year.

Tiller Money

If you want to see all your money in one place, Tiller Money might be the right software for you. It automatically updates your checking, loan, credit card, and other account data into customizable Google or Excel spreadsheets. You can choose from several templates that will allow you to organize your data, or customize one to better suit your needs. Tiller sends daily emails with a summary of recent transactions and balances, too. Tiller costs $6.58 a month or $79 for the year.

Free Annual Credit Reports

You may not be aware of this, but you can access your annual credit report through the website AnnualCreditReport.com. This website allows you to see where you stand with the three major credit bureaus, which is important if you’d like to build your credit. The federal law allows you to get a free copy of your credit report every 12 months from the three major credit reporting companies.

Why should you check your credit report?

The first reason to check your annual credit report is that you’ll know where your credit stands. If you’ve messed up your credit by making mistakes, the first step to building it back up is to begin monitoring it. However, there’s another important reason to check your credit report annually: to avoid being scammed. Credit is a hot commodity for identity thieves, and the first place those changes will show up is on your credit report. If you review them often, you’ll be less likely to be blindsided.

A little-known fact is that banks aren’t required to pay the full amount that you lose from identity theft or credit card fraud if you don’t act quickly enough. You must act quickly if you wish to regain all of the income you lost. Reviewing your annual credit report is a great way to do this.

 

How to Build a Positive Credit History

The first step to building a credit history is to open an account. Many people believe a good way to acquire a credit card is to first open a bank account, then request your first credit card through them. Since it can be tough to find a credit card if you don’t already have credit established (or if your credit is bad), going to a financial institution that is already familiar with you may help. Even in the financial sector, it’s about who you know, so if you’re already established somewhere, that bank should be your first stop in building your credit.

(If you aren’t able to find a credit card through those means, try getting a secured credit card. It works much like a regular credit card but requires a security deposit upfront, which the institution will hold as collateral against what you spend. If you stop making payments, the issuer will keep the deposit to cover the debt.)

Once you’ve got your credit card, begin making small, easy-to-afford purchases on it. Pay your balance in full each month so that you will have a history of on-time payments. Doing this will build your credit score over time and show that you’re a responsible borrower.

Of course, that’s not the only way to build a positive credit history. If you’ve got a car loan or student loan, making on-time payments on those can also bolster your credit. Just check into the methods of building credit linked above for more information!

 

Planning for the Future

A lot goes into planning for the future, but the major purchases that may still be ahead of you are buying a car, buying a home, and putting some money toward a retirement home so you can live comfortably. Below, I’ll provide a summary of each of these purchases, along with some tips to make the process easier for you.

 

Buying a Car

A common misconception is that buying a car is a relatively painless process. Some customers expect to walk up, choose their car, sign some paperwork and get the keys. They’re taken aback when they realize that they may need to wait for a few hours while the dealership runs their credit to determine what loans they can be approved for.

To avoid this, you can get preapproved for a loan before you even walk into the dealership. This will guarantee that you get a loan for an amount you can afford and give you the chance to secure the best rate possible. Rather than being rushed and signing all the paperwork coming your way, you can take your time to determine what interest rates are best for you. Be careful what lender you use, though: use a mainstream bank, credit union, or another lender whose name you recognize.

Start with the price of the car you want. The salesperson may try to ask if you’ve got a trade-in, but politely decline until you have a solid answer on how much it will cost. From there, state whether you’ve got a trade-in and ensure that you’ve already researched the trade-in value online. Remember: you can always walk away or refuse the trade-in offer if you feel they’re lowballing you. There are other great car buying tips available at the link if you’d like to know more.

 

Buying a Home

Buying a home is an exciting prospect, but you’ll want to be sure you’re absolutely ready. You’ll need to be ready both financially and emotionally, since it’s a large investment that will be far more lucrative if you plan to stay in the home for some time. Not only will you need to afford the monthly payment, but traditionally, you’ll want to have up to 20% of the purchase price for the down payment as well as 2-5% of the loan amount for closing costs.

However, many lenders have first-time homebuyer programs that will lend up to 97% of the purchase price. It’s preferable to have an emergency fund too, just in case you need to make unexpected repairs.

(Homebuying tip: if you find that the home needs repairs, it may be tempting to ask the seller to make the repairs before you move in. However, many sellers are eager to move out and make the bare minimum of repairs. If you can negotiate a lower asking price in lieu of those repairs and then get a licensed contractor to perform repairs for you, you’ll have a higher chance of the repairs being done in the way you want them to be done.)

See this home-buying checklist if you’d like more information on how to purchase a home.

 

Retirement Fund

Although saving for retirement is likely the last thing you’re thinking about right now, it can be much easier for you if you start right now. Merrill has a helpful chart that shows how much more money you could have for retirement if you start now rather than waiting until you’re 35. You should also consider contributing to a 401(k) or IRA since those can help build your retirement fund.

There are plenty of other tips on how to save for retirement linked above.

How Can Stewart Publishing Assist You?

I write blogs like this one because helping people is where I thrive. I’ve written on topics ranging from elder care, working from home and, most recently, the transition from teenager to young adult. I’ve also written books about leaving your parent’s home and the nature of power struggles. Let me know if you’ve enjoyed this article on young adults’ finances, or if you’ve got any questions. If you are not a subscriber, then click the link and sign up today, https://forms.aweber.com/form/43/1356852343.htm As always, I’d like to hear from you.

If you’re a teenager or young adult who would like to create a financial base for yourself, this article is for you. I’ll cover everything, including how to get started, what financial software is available to you, and how to take advantage of your free annual credit reports. I’ll also go over how to build a good credit history and plan for the future by saving for a car, a house, and a retirement fund. Read on to find out more about how to build up your income and create a financial base.

Getting Started

Before you can begin creating a financial base for yourself, you’ve got to find out what you’re working with. To do this, you’ll need to know what your monthly income and expenses are. Gather up your pay stubs, loan statements, utility bills, and anything else you may need in order to know where you stand financially. (Or, alternatively, find your e-bills and e-statements online.) You’re going to need this information for the next step.

If you haven’t already done so, you should also create a file for your important documents, including your birth certificate and social security card. You’ll need your social security number to apply for a loan, and it’s a good idea to keep these documents in an easy-to-refer-to file so you don’t have to search for them when something important comes up.

To budget your money, you can try to follow the 50/30/20 rule. Up to 50% of your income can go to needs, 30% can go to wants, and 20% should go to savings and debt repayment. If you can stick to this plan, you’ll be on your way to financial stability in no time! The traditional way to deal with expenses is to keep track of them by physically writing out your income and expenses, keeping a running tally of where you stand. However, financial software has made it easier than ever to take care of this in a more efficient and youth-friendly way.

Financial Software

Thankfully, financial software takes all the guesswork out of your personal finances and allows you to meet your long-term financial goals. The personal finance software mentioned below is a mix of free and paid options that can help you budget, build financially healthy habits, file income taxes, and manage spreadsheets. Mint, Quicken, Mvelopes, TurboTax, YNAB, and Tiller Money are great options for you to look over. Choose the ones that are right for you!

Many of the paid options also offer free trials, so don’t be afraid to give them a test run before you go through with your purchase. They might be the help with finances that you’ve been looking for.

Mint

Mint’s budgeting software is provided by the makers of TurboTax, making it a great choice for people who are already using it for their income taxes. This easy-to-use tool can be used to read your bank and credit card information and analyze your spending habits. You can also set up due date and low balance alerts so you’re never caught off guard by overdraft fees or late payments. Budget categories allow you to get information on how much money you have left for things like gas money or grocery spending. Mint is free to download on iOS, Android, and desktop devices.

Quicken

Quicken is probably the most well-known personal finance software to date. It allows you to create a budget, track your spending, and create savings goals. Interested in investing? Quicken can provide tips on how to invest your money, too. Quicken has Excel exporting capabilities that allow you to perform additional data analysis. It also has a bill pay feature that lets you pay bills from the software.

Quicken is robust enough to manage personal and business expenses. Quicken software starts at $35.99 a year for a starter membership. Home & Business membership is the most expensive option, at $103.99 a year. Keep an eye out for discounts; at the time this was written, there was a 40% off sale going on!

TurboTax

Although TurboTax isn’t budgeting software, it does a lot to ensure that your taxes are properly prepared and submitted to the IRS. You can import your W-2 from your employer or take a picture of it and upload it to the system. As you send income tax information, the software remembers and can be a lifesaver if you’re in the process of applying for a loan and aren’t sure where you put your tax return information. Simply log back in and find it again! Another advantage of using TurboTax for multiple years is that the software remembers your personal information, so you don’t have to enter it each year. If there haven’t been any major changes, information such as your address, name, marital status, and social security number will already be filled in for you. The basic version allows you to file your federal and state return for free if you only use Form 1040 and no attached schedules.

If you’re willing to pay more, however, TurboTax will give you access to a CPA to give personalized advice and answer questions. You can also get Audit Defense, which gives you access to a team that will handle all communications and negotiations with the IRS in the event that you’re audited.

YNAB (You Need A Budget)

You Need a Budget’s software helps improve your financial literacy and build healthy habits as you manage your budget. The software provides tutorials to help you understand difficult financial topics. YNAB can help you break your bad spending habits and get you on a better path. It automatically links to your bank account and provides you with spending analysis and budget tracking. The full software is $11.99 a month or $84 for a year.

Tiller Money

If you want to see all your money in one place, Tiller Money might be the right software for you. It automatically updates your checking, loan, credit card, and other account data into customizable Google or Excel spreadsheets. You can choose from several templates that will allow you to organize your data, or customize one to better suit your needs. Tiller sends daily emails with a summary of recent transactions and balances, too. Tiller costs $6.58 a month or $79 for the year.

Free Annual Credit Reports

You may not be aware of this, but you can access your annual credit report through the website AnnualCreditReport.com. This website allows you to see where you stand with the three major credit bureaus, which is important if you’d like to build your credit. The federal law allows you to get a free copy of your credit report every 12 months from the three major credit reporting companies.

Why should you check your credit report?

The first reason to check your annual credit report is that you’ll know where your credit stands. If you’ve messed up your credit by making mistakes, the first step to building it back up is to begin monitoring it. However, there’s another important reason to check your credit report annually: to avoid being scammed. Credit is a hot commodity for identity thieves, and the first place those changes will show up is on your credit report. If you review them often, you’ll be less likely to be blindsided.

A little-known fact is that banks aren’t required to pay the full amount that you lose from identity theft or credit card fraud if you don’t act quickly enough. You must act quickly if you wish to regain all of the income you lost. Reviewing your annual credit report is a great way to do this.

How to Build a Positive Credit History

The first step to building a credit history is to open an account. Many people believe a good way to acquire a credit card is to first open a bank account, then request your first credit card through them. Since it can be tough to find a credit card if you don’t already have credit established (or if your credit is bad), going to a financial institution that is already familiar with you may help. Even in the financial sector, it’s about who you know, so if you’re already established somewhere, that bank should be your first stop in building your credit.

(If you aren’t able to find a credit card through those means, try getting a secured credit card. It works much like a regular credit card but requires a security deposit upfront, which the institution will hold as collateral against what you spend. If you stop making payments, the issuer will keep the deposit to cover the debt.)

Once you’ve got your credit card, begin making small, easy-to-afford purchases on it. Pay your balance in full each month so that you will have a history of on-time payments. Doing this will build your credit score over time and show that you’re a responsible borrower.

Of course, that’s not the only way to build a positive credit history. If you’ve got a car loan or student loan, making on-time payments on those can also bolster your credit. Just check into the methods of building credit linked above for more information!

 

Planning for the Future

A lot goes into planning for the future, but the major purchases that may still be ahead of you are buying a car, buying a home, and putting some money toward a retirement home so you can live comfortably. Below, I’ll provide a summary of each of these purchases, along with some tips to make the process easier for you.

 

Buying a Car

A common misconception is that buying a car is a relatively painless process. Some customers expect to walk up, choose their car, sign some paperwork and get the keys. They’re taken aback when they realize that they may need to wait for a few hours while the dealership runs their credit to determine what loans they can be approved for.

To avoid this, you can get preapproved for a loan before you even walk into the dealership. This will guarantee that you get a loan for an amount you can afford and give you the chance to secure the best rate possible. Rather than being rushed and signing all the paperwork coming your way, you can take your time to determine what interest rates are best for you. Be careful what lender you use, though: use a mainstream bank, credit union, or another lender whose name you recognize.

Start with the price of the car you want. The salesperson may try to ask if you’ve got a trade-in, but politely decline until you have a solid answer on how much it will cost. From there, state whether you’ve got a trade-in and ensure that you’ve already researched the trade-in value online. Remember: you can always walk away or refuse the trade-in offer if you feel they’re lowballing you. There are other great car buying tips available at the link if you’d like to know more.

 

Buying a Home

Buying a home is an exciting prospect, but you’ll want to be sure you’re absolutely ready. You’ll need to be ready both financially and emotionally, since it’s a large investment that will be far more lucrative if you plan to stay in the home for some time. Not only will you need to afford the monthly payment, but traditionally, you’ll want to have up to 20% of the purchase price for the down payment as well as 2-5% of the loan amount for closing costs.

However, many lenders have first-time homebuyer programs that will lend up to 97% of the purchase price. It’s preferable to have an emergency fund too, just in case you need to make unexpected repairs.

(Homebuying tip: if you find that the home needs repairs, it may be tempting to ask the seller to make the repairs before you move in. However, many sellers are eager to move out and make the bare minimum of repairs. If you can negotiate a lower asking price in lieu of those repairs and then get a licensed contractor to perform repairs for you, you’ll have a higher chance of the repairs being done in the way you want them to be done.)

See this home-buying checklist if you’d like more information on how to purchase a home.

 

Retirement Fund

Although saving for retirement is likely the last thing you’re thinking about right now, it can be much easier for you if you start right now. Merrill has a helpful chart that shows how much more money you could have for retirement if you start now rather than waiting until you’re 35. You should also consider contributing to a 401(k) or IRA since those can help build your retirement fund.

There are plenty of other tips on how to save for retirement linked above.

How Can Stewart Publishing Assist You?

I write blogs like this one because helping people is where I thrive. I’ve written on topics ranging from elder care, working from home and, most recently, the transition from teenager to young adult. I’ve also written books about leaving your parent’s home and the nature of power struggles. Let me know if you’ve enjoyed this article on young adults’ finances, or if you’ve got any questions. If you are not a subscriber, then click the link and sign up today, https://forms.aweber.com/form/43/1356852343.htm As always, I’d like to hear from you.

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How to Join the Military – Part 2: Armed Services Vocational Aptitude Battery (ASVAB) Test https://updated.stewartpublishing.com/how-to-join-the-military-part-2/ https://updated.stewartpublishing.com/how-to-join-the-military-part-2/#respond Sat, 14 Jan 2023 01:34:20 +0000 https://updated.stewartpublishing.com/?p=1372

In the first post on this topic, I talked about the options available for a dependent teenager or young adult to become independent and live on their own. The options I discussed were:

  • Getting an entry-level job
  • Going to college
  • Attending a certification program
  • Joining the US military
  • Starting a business
  • Some combination of the above

In the most recent post, I discussed the pre-qualifications required to enter the military. For many, the military is the fastest option to income, housing, training, and other benefits. The armed services are not for everyone, but are an option that requires serious consideration for anyone starting the transition to adulthood and independence. There are several branches of the military, which are:

  • Army and Army Reserve
  • Army National Guard
  • Coast Guard and Coast Guard Reserve
  • Navy and Navy Reserve
  • Marine Corps and Marine Corps Reserve
  • Air Force (including a new Space Force)

In today’s post, I will talk about how pre-qualified teens and young adults can begin taking steps to join the Army branch of the US military. We’ll discuss how to obtain marketable training for military jobs, and how to prepare for the ASVAB (Armed Services Vocational Aptitude Battery) test.

Take a Test to Join the Army

After speaking with a recruiter, the next step is to take the ASVAB test. This is a multiple-choice test designed to pinpoint your strengths, and identify which Military Occupational Specialty (MOS) or Army job best suits you. The final score from the ASVAB test is called the Armed Forces Qualification Test (AFQT) score.

The ASVAB is a series of tests that were developed by the US Department of Defense. This test is used by the US Army to determine whether you have the mental aptitude to enlist. It is required for enlistment and is valid for two years. The ASVAB may be given in a computerized format at a Military Entrance Processing station (MEPS) or in a paper version at Military Entrance Test (MET) sites around the country. This test may also be given at high schools and colleges. The ASVAB helps identify what MOS you will qualify to hold.

How You Score Determines Your Initial Opportunities and Job Placement

ASVAB scores range from 1-99, and in order to enlist in the Army, you must pass with a score of 31 or more. In order to qualify for enlistment bonuses, the score should be over 50. Each branch has a minimum AFQT score, but the minimum score will not qualify you for some of the better-paying jobs. Therefore, it is necessary to check the website for jobs you’re interested in training for and then search to see what is the minimum AFQT score required to qualify for that position.

You Can Study for the Test and Know the Score of the Job Position You Want to Apply For

The ASVAB consists of different subject areas or subtests. Since the purpose of this test is to determine placement and qualifications for certain jobs, you would be wise to study for it to ensure that your placement is beneficial to you. I strongly suggest that you study and take sample tests before you talk with a recruiter if you think that going into the military is a real possibility. Taking the test ahead of time grants you more opportunity to fine-tune your knowledge than taking the test without the necessary study. If you don’t score well on the practice tests, you can get help assessing your weak areas and study to improve your score. You can then retake the test until you’re confident that you can obtain the score you need. Once you’ve gotten a better score, you can sit down with a recruiter and take the real thing. As with everything in life, practice will improve your performance. Some of the websites that have free online courses to study and take practice tests for the ASVAB are:

www.asvabpracticetestonline.com

This website offers tests broken down into every ASVAB category. This website has a focus on providing sample test for you take with little study materials.  Therefore, this site will help you practice test taking but not offer a lot in terms of studying for the test.  The site has study guides for sale, but if you have limited funds, the focus here is test taking which is an important part of preparation.

www.asvabpracticetests.com

This website provides practice tests along with a study guide to help prepare you for the actual test. These online tests are offered completely free of charge and don’t require any kind of subscription or membership. The study guide is limited, but it is a good place to get started to determine: (1) how the test is structured, (2) the subjects being tested, (3) a discussion around minimum scores and (4) take sample tests to determine your current level of skill and where you need to improve.

uniontestprep.com/asvab/study-guide

This website provides study guides for each section of the ASVAB test.  This site also provide flash cards and other study aids.

asvab-prep.com/free-asvab-study-guide/

This website also provides study guides.

You can review these websites to see if they meet your needs, but the point is that courses can be found online (some of which are free) to help you study for the ASVAB and take practice tests. Also available online is the PiCAT (pre-screening, internet delivered adaptive test), which is an unproctored test that provides recruiters the ability to determine an applicant’s qualifications before sending them to a Military Entrance Test (MET) site. To learn more about how the PiCAT pretest can assist you, read the following article on military.com; https://www.military.com/join-armed-forces/picat-asvab-pretest-available-for-applicants.html

It is important to note that these free websites vary in content and I recommend doing an internet search for other websites to gather more information and find a website(s) where the student is free and comfortable.

Subtest Areas and Army Line Scores

Knowing the subtest areas and army line scores will enable you to better understand your ASVAB scores. The subtest areas are: assembling objects (AO), arithmetic reasoning (AR), electronics information (EI), general science (GS), word knowledge (WK), mathematics knowledge (MK), auto and shop information (AS), mechanical comprehension (MC), verbal expression (VE) and paragraph comprehension (PC).

  • AO: ability with spatial relationships
  • AR: the ability to solve basic arithmetic word problems
  • AS: knowledge of automotive maintenance and repair, and wood and metal shop practices
  • EI: knowledge of electrical current, circuits, devices, and electronic systems
  • GS: knowledge of life science, earth and space science, and physical science
  • MC: knowledge of principles of mechanical devices, structural support, and properties of materials
  • MK: knowledge of mathematical concepts and applications
  • PC: the ability to obtain information from written material
  • VE: the sum of PC and WK
  • WK: the ability to understand the meaning of words through synonyms

These subject areas are combined in order to describe different army line scores.   Sometimes ECL (English Comprehension Level) tests will be administered alongside the ASVAB as well, in order to determine that non-native speakers of English are qualified for certain jobs.

A specific job title will require skills in different areas.  Here are some examples of what I mean:

  • CL (Clerical): VE+AR+MK
  • CO (Combat): AR+CS+AS+MC
  • EL (Electronics): GS+AR+MK+EI
  • FA (Field Artillery): AR+CS+MK+MC
  • GM (General Maintenance): GS+AS+MK+EI
  • GT (General Technical): VE+AR
  • MM (Mechanical Maintenance): NO+AS+MC+EI
  • OF (Operators and Food): VE+NO+AS+MC
  • SC (Surveillance and Communications): VE+AR+AS+MC
  • ST (Skilled Technical): GS+VE+MK+MC

Below is a sample list of jobs with minimum ASVAB line scores.

MOS ARMY JOB TITLE Minimum ASVAB Line Scores
09C Trainee language AFQT 21-30, ECLT 40 – 74, AO:54
09L Interpreter/translator ECLT:50
09S U.S. Army commissioned officer candidate GT:110
09W Warrant officer candidate GT:110
11B Infantryman CO:87
11C Indirect fire infantryman CO:87
12B Combat engineer CO:87
12C Bridge crewmember CO:87
12D Driver/Motor Transport Operator GM:98 & GT:107 & ST:106
12K Plumber/Utilitiesman GM:88
12M Firefighter GM:88
12R Interior electrician EL:93
12T Technical engineer specialist ST:101
12Y Geospatial engineer GT:100 & ST:100
13B Cannon crewmember FA:93
13S Field artillery surveyor ST:95
13T Field artillery surveyor/meteorological crewmember EL:93
14Z Air defense artillery senior sergeant N/A
15E Unmanned aircraft systems repairer (UAS SYS REP) EL:93 &MM:104
15R AH-64 attack helicopter repairer MM:99
17C Cyber Operations Specialist GT:110 & ST112
25L Cable System Installer/Main 89:EL & SC:89
25M Multimedia Illustrator ST:95 & EL:95
25N NODAL Network System Operator EL:102 & SC:105
27D Paralegal specialist CL:105
31D Criminal investigation special agent ST:107 & GT:110
35M Human intelligence collector DLAB:107
46Q Public affairs specialist/journalist GT:107
46R Broadcast journalist GT:107
51C Acquisition, logistics & technology contracting NCO GT:110
56M Religious affairs specialist CL:90
68A Biomedical equipment specialist EL:107
68E Dental specialist ST:91
68F Physical therapy specialist ST:101 & GT:107
68M Nutrition care specialist OF:95
68T Animal care specialist ST:91
88K Watercraft operator MM:99
89B Ammunitions specialist ST:91
89D Explosive ordnance disposal specialist (EOD) GM:105
91C Utilities equipment repair/heating & air GM:98 or GM:88 & GT:83
91H Track vehicle repairer MM:87 & GT:85 or MM:92
92G Food service specialist OF:85
92M Mortuary affairs specialist GM:90
92R Parachute rigger GM:90 & CO:90
92S Shower, laundry & clothing repair specialist GM:84
94T Avenger system repair EL:98
94Y Integrated family of test equipment operator EL:107
97B Counterintelligence agent ST:105
98G Cryptologic linguist ST:95
98J Electronic intelligence interceptor/analyst ST:105

Let’s look at two of these to show the difference high test scores make:

Infantryman

To become an Infantryman, you need an ASVAB line score of 87 for combat. You must undergo 14 weeks of One Station Unit Training, which includes Basic Combat Training and Advanced Individual Training. The average salary for an Infantryman is $32,045 (close to the US average of 24,000 USD, especially considering the increased risk to life and limb). Infantrymen serve in the field to defend the country, working together to capture, destroy and deter enemy forces.

Counterintelligence Analyst

In order to become a counterintelligence analyst, you need an ASVAB line score of 101 for skilled technical. In order to become a counterintelligence agent, you must undergo 10 weeks of basic training and 18 weeks at the Counterintelligence Special Agent Course. The average salary for a Counterintelligence Analyst is over double that of Infantryman, at $66,935 a year. Counterintelligence Special Agents conduct investigations and collect and process physical evidence to identify and detect terrorist threats, and plan countermeasures to neutralize them.

If any of the above descriptions are of interest to you but aren’t hyperlinked, you can find the job descriptions on goarmy.com. I hope that you will find this wealth of information helpful to you as you make the transition from teenager into adulting. As you can see, there are many options available in the military beyond infantry, and the more specialized fields also pay better and have the advantage of more relative safety than being in the infantry would. If you choose to pursue a career in the military, I hope that you will take the time to study for the ASVAB and take practice tests. Doing so will ensure that you get the best possible placement.

A Noble Career Choice

Performing a search like the one above (between Infantryman and Counterintelligence Analyst) will give you a clearer picture of the vast differences in wages for those who get high ASVAB scores and those who get lower scores. As in all aspects of life, preparation is key, so do your part to give yourself the best chance. Comparing positions you’re interested in ahead of time and studying will give you a fantastic jumping-off point both in terms of a lifelong career and a higher salary. An added bonus is that those who have highly specialized jobs are further from the front line and less likely to suffer from PTSD after their time in the service. To acquire optimal placement, it boils down to knowing exactly what career you’re looking for, what ASVAB line scores are needed in order to qualify for the job, and studying hard to boost your scores. As I said, there are plenty of ASVAB testing websites available to you, so there is no reason you can’t gain the skills needed.

In summary, take the following steps.  First, determine which types of jobs you are in interested in pursuing by researching the military websites.  Second, determine the minimum ASVAB score required for you to obtain those jobs.  Third, study and take practice tests of the ASVAB examination, until you can obtain the required score.  Fourth, take the actual ASVAB exam once you can obtain the minimum required scores.  This is a similar process teens take when preparing for college admission tests.  Good Luck.

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Is Your Teenager on the Path to Becoming an Adult? https://updated.stewartpublishing.com/is-your-teenager-on-the-path-to-becoming-an-adult/ https://updated.stewartpublishing.com/is-your-teenager-on-the-path-to-becoming-an-adult/#respond Tue, 30 Oct 2018 01:48:20 +0000 https://updated.stewartpublishing.com/?p=1385

Like most of you I have teenage family members who appear lost when it comes to their future.  I also have friends who have children, between the ages of 15 and 30 years old, who are unclear on the concept that at some point they will have to move out on their own.

Teenagers and young adults living at home must pay attention to the changes taking place and find a way to make the transition into adulthood.  If not, they will find themselves in constant turmoil with their parents.  This can lead to getting kicked out of the house, needless struggle and/or becoming homeless.

I went through this struggle myself when I was a teenager attending Thornton Community College and still living with my parents.  I left home after having an argument with my father and stayed with a friend and then relatives for 7 months.  I was able to find some stability when I was accepted into DePaul University and moved into the Clifford Hall dormitory in Lincoln Park.

That was a difficult time for me and in retrospect for my parents.  I was not sure about my future and my parents were worried about me.  So when I see family members and friends fighting with their children, whether teenagers or young adults, it brings back some unpleasant memories.

We all know where this story is going, at some point these young people will have to leave their parent’s home and move out on their own.  At some point they will have to learn how to become self-sufficient.  That does not mean that they navigate the world by themselves.  It does mean that they acquires marketable skills and develop the determination to become independent.  With this independence, they can support themselves.  Plus their family, friends and community can rely upon them to contribute to the greater whole when required.

I have been asking myself, what could help parents and their children in this process of preparing to leave home.  What type of books, tools and programs are available to make this task easier or more organized?  I would like to see more resources that parents and their children can use as part of ongoing discussions to prepare for adulthood.

Some parents are more experienced and better prepared than others.  Many parents are just busy supporting the household.  I have written a book about this process of leaving home entitled, “How to Leave Your Parents’ Home and Live on Your Own: A Guide for Teenagers and Young Adults.”  I sold some copies and given copies to family, friends and co-workers.  A much repeated comment I hear is that, I will give a copy of the book to my kid to read.  That is a great start.

I think that it would help if the parent would take the time to read the book and then discuss the contents with their teenagers.  That way, it becomes a joint plan on how to help your kid become self-sufficient.  Some people need more help in doing things while others are more independent.  But if the parents read the book, they will understand the approach and content plus the parents can share their own experience in making this transition into adulthood.

My plan now within the immediate future is to give away the book for free because I think it has value and many will find it useful.  But I think more is required to make the book a more effective guide.  So I am working on a plan to create some other tools for those who want to more confidently make the transition into adulthood.  Stay tune.

Monty

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Teen_Young Adult Guide Welcome https://updated.stewartpublishing.com/teen_young-adult-guide-welcome/ https://updated.stewartpublishing.com/teen_young-adult-guide-welcome/#respond Fri, 30 Mar 2018 02:14:40 +0000 https://updated.stewartpublishing.com/?p=1406

Thank you for visiting this website and blog.  The purpose of this blog is to focus on issues about teenagers and young adults making the transition into adulthood. That is a large subject area, but I did create a framework for moving into adulthood in the book: How to Leave Your Parents’ Home and Live On Your Own: A guide for Teenagers and Young Adults.

In this blog I will discuss and elaborate on the issues I addressed in the book. For example I will discuss:

• What are your options for moving out on your own?
• How to plan for the move out of your parent’s house?
• Documents you need to manage your personal affairs.
• Managing Your Money and Financial Tools.
• Getting your first apartment.
• Transportation.
• Your physical, mental and emotional health.

I trust the information presented and discussed will assist you.

Enjoy and give us your feedback.

Stewart Publishing

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